Fintech and Payments Analyst
Checkout funnels, settlement, reconciliation and payment risk.
Role cheat sheet
- Approval, clearing and settlement
Approval accepts a request at a stage of processing. Clearing calculates obligations. Settlement moves funds under the applicable process.
Review the lesson- Approval and settlement rates
Use matched cohorts and clearly state denominators. The settled share of attempts multiplies approval by conditional settlement.
Review the lesson- Gross to net payout
Bridge gross settled amounts to the bank deposit through applicable fees, refunds, reversals and adjustments.
- Idempotency
A repeat request carrying the same supported key can be processed once. Preserve references and investigate uncertain status before retrying.
- Fraud trade-offs
Compare fraud loss with approval and false-decline rates. Segment changes by merchant, payment method or device to identify the cause.
- UPI metrics
NPCI transaction count and value describe aggregate activity. Merchant-level checkout or settlement performance needs its own matched data.
Practise interview questions
How do you distinguish payment approval, settlement and reconciliation?
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